金融科技对农村居民的收入增长效应及其传导机制  

Effect of Fin-tech on Farmers’Income Growth and Its Transmission Mechanism

作　　者：刘心怡 金山[2] 张伟[1] LIU XinYi;JIN Shan;ZHANG Wei(Guangdong University of Finance, Guangzhou 510521)

机构地区：[1]广东金融学院金融科技工程技术开发中心,广东广州510521 [2]广东金融学院华南创新金融研究院,广东广州510521

出　　处：《财贸研究》2020年第8期65-76,共12页Finance and Trade Research

基　　金：国家自然科学基金面上项目“政策性农业保险减贫效应测度与扶贫机制优化研究”(71973034);广东省自然科学基金面上项目“政策性农业保险的减贫效应分解与扶贫机制重构研究”(19YJC840055);广东省软科学研究项目“粤港澳大湾区金融科技创新驱动粤东西北乡村振兴发展研究”(2020A1010020059)。

摘　　要：以2013—2018年中国各省份为样本,采用面板回归及中介效应模型,检验金融科技对农村居民的收入增长效应,并从收入来源视角对增收效应进行渠道机制检验。结果显示:从整体上来看,金融科技对农民收入增长具有显著促进作用;区域异质性检验表明,金融科技的增收效应在非粮食主产区作用更为显著;收入来源分析表明,金融科技对农民工资性收入、经营性收入和转移性收入均具有显著促进作用,对财产性收入促进作用不明显。增收传导机制分析发现,金融科技通过促进农民非农就业、推动传统农业转型升级、提高财政资源配置效率等传导渠道,提升了农民收入水平。政府相关部门应加强与各金融机构的合作,进一步推动金融科技基础设施建设,拓宽金融科技服务“三农”渠道,以提高农村居民收入,缓解相对贫困问题。Based on 2013-2018 provincial panel data in China,by using panel regression and intermediary effect model,this study tests the effect of Fin-tech on farmers’income,and analyses its channel mechanism from the perspective of income source.The results reveal that Fin-tech has a significant role in promoting the growth of farmers’income on the whole,the test of regional heterogeneity shows that the effect of Fin-tech on income growth is more significant in non major grain producing area.The analysis of income sources shows that Fin-tech has a significant role in promoting farmers’wage income,operating income and transfer income,while property income has no significant promotion.Research on transmission mechanism of income growth shows that Fin-tech improves the level of farmers’income through transmission channels of promoting the non-agricultural employment,transforming and upgrading traditional agriculture,and improving the efficiency of fiscal resource allocation.Therefore,the relevant government departments should promote cooperation between government and financial institutions,strengthen the construction of Fin-tech infrastructure,broaden the channels of Fin-tech services for“agriculture,rural areas and farmers”,and cultivate new growth points of farmers’income.

关 键 词：金融科技 农民增收 农民收入结构 

分 类 号：F323.8[经济管理—产业经济]